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Crushed by an MCA Loan? We’ll Get You Out of This Nightmare

You’re here because your merchant cash advance (MCA) has become a total disaster, right? The lender is hounding you, your accounts are frozen – and you’re wondering, how the hell did this happen? Well, take a breath: you’ve come to the right place. We’re Delancey Street, and we specialize in getting businesses like yours out of these MCA nightmares.Look, we get it: when you first took out that MCA, it seemed like a lifeline. Quick cash to cover expenses, no stringent approval process – what could go wrong? But now, you’re drowning in fees and debt collectors. And the worst part? Your MCA lender has the power to completely destroy your business if you miss payments.That’s where we come in. Our elite team of New Orleans MCA defense lawyers have one mission: to protect you and your business from these predatory lenders. We know all their dirty tricks – because we’ve seen it all before. So buckle up, this is how we operate:

Shut Down the Harassment, Immediately

The second you become our client, we go into lockdown mode. Those endless calls and emails from debt collectors? Done. Frozen bank accounts and merchant holds? Released. Threats of legal action? Not on our watch. We strap on our battle armor and become an impenetrable wall between you and the MCA lender’s tactics.Our first move is sending a cease and desist letter that instantly stops all harassment in its tracks. We make it crystal clear: any further contact violates federal laws, so they better back off – or face the consequences. It’s simple, every single client deserves to regain their peace of mind.

Untangling the MCA Nightmare, One Knot at a Time

Here’s the hard truth: MCA contracts are designed to screw you over. They’re filled with convoluted jargon and shady clauses that bury you in debt. But we know these agreements inside and out – because we’ve spent years dissecting them.Our attorneys comb through every single provision with a fine-tooth comb, looking for any loophole or violation we can leverage. Did the lender breach the agreement first? We’ll find it. Is there a legal way to invalidate the contract? We’re on it. No dirty trick goes unnoticed when you have Delancey Street in your corner.

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Negotiating Your Way to Freedom

In an ideal scenario, we’ll uncover clear MCA violations that let us rip up the contract and walk away debt-free. But if the lender has followed the letter of the law, don’t worry – we’re just getting started.Our expert negotiators take the reins, using every tactic in the book to hammer out a settlement you can actually afford. We’ll push for reduced payback amounts, lower fees, and manageable payment plans. These lenders know we’re not afraid to go to court, so they play ball.And if they still refuse to budge? Well, that’s when we strap on our boxing gloves and take the fight to the courtroom…

The Scorched-Earth Litigation Strategy

Make no mistake, we always aim for the most peaceful resolution possible. But if an MCA lender refuses to negotiate fair terms, we have no qualms about going scorched-earth in front of a judge.Our litigation team is comprised of some of the fiercest, most aggressive trial lawyers in New Orleans. We build airtight cases to prove any MCA violation, no matter how small. We depose the lender’s employees, comb over their records, and find every shred of ammo we can use.These lenders know our reputation in the courtroom precedes us. We don’t just win cases – we bury our opponents under an avalanche of evidence and impeccable legal strategy. When Delancey Street takes an MCA company to trial, they have two choices: settle on our terms, or risk annihilation.

The Light at the End of the Tunnel

We know, this all sounds intense. And let’s be real, getting out of an MCA nightmare is never easy. There will be long days, stressful nights, and more legalese than you ever wanted to hear.But through it all, we’ll be your steadfast guides on the path to freedom. We’ll keep you looped in every step of the way, answering all your questions in plain English. Our goal is to lift this crushing weight off your shoulders, so you can refocus on what really matters: your business, your life, your future.And when it’s all over, when that last debt is cleared and the lenders are out of your life for good? That’s when you’ll realize the hard truth: you should have come to Delancey Street sooner. Because this is what we do, day in and day out – rescue businesses from the MCA abyss and give them a second chance at success.So if you’re drowning in MCA debt, there’s only one number to call: Delancey Street. We’re the New Orleans MCA defense lawyers with the skills, experience, and sheer tenacity to take on any lender, any contract, any nightmare. It’s time to wake up from this debt spiral, once and for all.

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Potential Scenarios and Hypotheticals

What if I just stop paying the MCA lender?

Terrible idea – in fact, it’s one of the worst things you could do. By breaching the contract, you give the MCA lender full legal power to come after you with both barrels. They can freeze your accounts, file lawsuits, even seize your assets and equipment. It’s a surefire way to go from bad to catastrophic.

But what if the MCA lender broke the contract first?

Now we’re talking. If we can prove the lender violated your agreement in any way – improper fees, changing payment amounts, you name it – that’s our golden ticket. Contract violations often let us render the MCA null and void, wiping out your debt completely. It’s why we scrutinize every single provision so carefully.

I’m worried the MCA lender will contact my customers and vendors. Can they do that?

Sadly, yes – many MCA contracts allow lenders to reach out to your clients and business partners if you default. It’s a heavy-handed tactic designed to sabotage your operations and force you to pay up. But we can send legal notices prohibiting any such contact, with penalties if they violate it.

What if I took out multiple MCAs and can’t pay any of them?

This is definitely a worst-case scenario, but don’t panic. Our first step is negotiating with each lender individually to work out manageable payment plans. If that fails, we may be able to consolidate your MCAs into one new loan with better terms. Bankruptcy is always an option too, though it’s our last resort.

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I’m worried about my personal assets being seized if I default. Is that possible?

It’s a legitimate concern. If you signed a personal guarantee with the MCA lender, they can absolutely come after your house, car, savings, and other personal assets to collect on defaulted debt. But we have strategies to protect your assets and separate your personal/business liabilities. Step one is making sure you never have to default in the first place.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$500,000 MCA Restructured Over 3 Years
"Thanks for helping me in literally 24 hours"
$250,000 SBA Loan Offer in Compromise
"Great choice for business owners who need a trustworthy partner"
$350,000 MCA Restructured Over 2 Years

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